The Goldenwest Credit Union is a student loan from Goldenwest Credit Union. The ongoing APR is 3.99% Annual Percentage Rate (APR) for 30-months deferral period; following deferment, the rate will convert to the current Wall Street Journal Prime Rate plus 1%. Typical credit limit: Borrow up to $10,000 for the school year. Loan terms: Minimum $25 monthly payments during the 30-month deferment period; after 30 months deferment, payments begin with a 5-year repayment plan at the current prime rate plus 1% interest, fixed for 60 months.